FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) BERKAH RAMADHAN (PERIODE TAHUN 2015-2019)

Asep Rofiuddin Mahmud, NIM.: 14820059 (2020) FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) BERKAH RAMADHAN (PERIODE TAHUN 2015-2019). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The revival of the Islamic economy, especially in Islamic financial institutions in Indonesia, with the issuance of Law no. 10 of 1998 in lieu of Law no. 7 of 1992. Over time, the development of Islamic financial institutions continues to experience a significant increase from year to year. In terms of accelerated banking growth, Islamic banking is much higher than conventional banking growth. Sharia Rural Banks are intended to help and serve the community in the Micro and Small Business sector quickly, easily and simply. However, the operational activities of BPRS are different from those of Islamic banks in general, BPRS do not provide services through a payment channel, but BPRS have narrower activities, which are prohibited from accepting current accounts, insurance and foreign exchange activities. The results of this study indicate that the Net Operating Margin (NOM) has a significant positive effect on the profitability of BPRS Berkah Ramadhan (20152019 period) with a significance value of 0.0043 <0.05 (H0 is rejected and Ha is accepted). These results can be concluded that the Net Operating Margin (NOM) variable in this study has an influence on Return On Assets (ROA) which in turn can indicate that the management of BPRS Berkah Ramadhan has a good performance in managing its productive assets. Operational Expenses/Operating Income has a significant positive effect on the Profitability of BPRS Berkah Ramadhan (2015-2019 Period) with a significance value of 0.0000 <0.05 (H0 is rejected and Ha is accepted). These results can be concluded that the Operational Expense/Operating Income variable in this study has an influence on Return On Assets (ROA) which in the end can show that the management of BPRS Berkah Ramadhan has a good performance in managing its operations. cost. Furthermore, third party funds do not have a significant effect on the profitability of BPRS Berkah Ramadhan (2015-2019 period) with a significance value of 0.41200> 0.05 (H0 is accepted and Ha is rejected). These results can be concluded that the variable Third Party Funds (TPF) in this study does not have a significant effect on Return On Assets (ROA), which means that the higher the amount of Third Party Funds collected by BPRS Berkah Ramadhan will not have a significant effect on Return On Assets (ROA) increase profitability (ROA) BPRS Berkah Ramadhan.

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